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This video explains the basics of health insurance, and what important things to know when choosing a health insurance provider.

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Health Insurance Coverage 101 - the Basics Explained in Two Minutes

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http://onphr.ma/1mpAUZJ Health Insurance Coverage 101 - the Basics Explained in Two Minutes We know insurance jargon can be confusing and consumers may have a hard time cutting through the clutter. In order to make informed decisions about health coverage and ensure patients have access to needed services and treatments, knowing the language of insurance is critical.

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This YouTube video explains tips you should know and consider when picking health care insurance providers.

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3 Tips for Picking the right Healthcare Plan!

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10 Things Millennials should know about Health Insurance

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10 Things Millennials should know about Health Insurance

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Throughout this website, it describes 10 things all millennials should know.

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Even if you've done it many times, buying health insurance can be confusing. Now imagine you're a millennial signing up for health insurance for the first time in your life.

Researchers at the University of Pennsylvania found that even college-educated, technically savvy adults in their 20s and 30s have a tough time navigating Healthcare.gov, the official site of the Affordable Care Act (ACA).

The researchers surveyed 30 adults, ages 19 to 30, who were interested in signing up for health insurance and interviewed them before they completed their enrollment and again about a month later.

'We found that half of the participants could not define 'deductible' and three-quarters couldn't explain 'coinsurance," says Charlene Wong, a University of Pennsylvania pediatrician who led the study, which was published in the Journal of Adolescent Health in June.

Unfortunately for millennials, terms like "deductible" and "coinsurance" are not unique to the ACA. They are part of basic health insurance lingo, which means people need to be familiar with these terms no matter where they buy their insurance.

Dr. Wong says that misconceptions on these terms could leave young people exposed to financial risks down the road.

For example, she says, one young man thought the high-deductible health plan he was buying would cover his first $6,000 in medical expenses when it was the other way around: He had to cover the first $6,000 in costs under the plan.

'Anyone who doesn't understand the health insurance terms is going to have a difficult time making the best decisions for themselves when they shop for health insurance,' Dr. Wong says.

Here are 10 things about the ACA and health insurance that millennials should know before they begin shopping for policies.
Read more: How the Obamacare penalties work and how to avoid them
1. What is a deductible?

This is how much you pay out of your own pocket for most medical services before your insurance kicks in.

For example, if your plan has a $1,000 deductible, your insurance won't pay any bills until you've spent this amount. (Note: Deductibles may not apply to some preventive services such as wellness visits and vaccines.)

2. What is coinsurance?

This is your share of any claim for a medical service. For instance, you might pay 20 percent of the negotiated cost of your service and your insurer pays the remaining 80 percent. You start paying your plan's coinsurance once you've met your deductible.

Often, the lower your monthly premiums are, the higher your coinsurance will be.
Read more: Your guide to medical breaches: Anthem, Premera, and CareFirst
3. What are premiums?

Premiums are the payments you make to maintain your policy.

4. What is a copay?

For some services, an insurer may require you to pay your health care provider a copay, which typically consists of a flat fee. For example, many policies have a $30 to $40 copay for each doctor's visit. Copays are typically higher for visits to specialists or emergency rooms.

Your plan can require you to pay copays and coinsurance. Copays are often necessary when purchasing prescription medications. If you see a doctor regularly for a chronic health condition and are on medication, look for a plan that has low copays for those visits and for your prescriptions.

5. When can I sign up for health insurance?

Under the ACA, you can generally buy health insurance only during open enrollment. Open enrollment for ACA coverage in 2016 starts Nov. 1, 2015 and runs through Jan 31, 2016.

However, you may be eligible to enroll at other times if you qualify for a special exception. Exceptions are granted for a number of reasons, including if you get married or divorced, have a child, change jobs or move to a new state.
Read more: How to cancel COBRA insurance
6. Do I have to buy my insurance in the Health Insurance Marketplace?

If you are a U.S. resident and don't have access to health insurance coverage elsewhere ' through work or your parents, for example ' you can buy health insurance in the government-run Marketplace or directly from a health insurance company.

ACA premium subsidies are only available for polices purchased from the Health Insurance Marketplace. These subsidies can lower the cost of health insurance for those who qualify. To be eligible for subsidies, a person's income must not exceed 400 percent of the federal poverty level. For singles, that equals $46,680 for 2015 coverage and $47,080 for 2016.

Plans sold outside of the Marketplace must offer the same minimum benefits and may offer a wider network of providers, a better price or both. So it's wise to shop both in and out of the Marketplace to find the best health insurance plan for your needs and budget, particularly if you don't qualify for government subsidies.

7. What happens when I turn 26?

Under Obamacare, you may be covered through your parents' health insurance until you are 26, at which time you will have to get insurance on your own. You may qualify for special enrollment if your birthday falls outside of the open enrollment period.

Start shopping before you turn 26 so your new plan starts when your old one ends to avoid any gap in coverage. If you enroll in a Marketplace plan before the 15th of the month, your coverage will start the first of the following month. For example, if you need coverage starting Aug. 1, make sure you are enrolled no later than July 15.

8. Does my student health insurance plan qualify under Obamacare?

Maybe, says Kev Coleman, director of research and data for HealthPocket, an insurance research site.

'Check with your school's health plan administrator to see if the plan meets the requirements of the Affordable Care Act,' he says.

To qualify, the plan must cover preventative services (wellness visits, vaccines) and essential services such as emergency treatments, hospitalizations, and maternity and newborn care.
Read more: 5 money-saving tips all millennials need to know about credit cards
9. What if I'm insured through work and my parents' plan?

When you have two insurance plans, one is primary and the other is secondary. The plans will coordinate coverage. When you're insured by both a workplace plan and your parents' plan, your work plan will be primary and your parents' coverage will be secondary.

"You can't have two health insurance plans covering the same benefits,' Coleman says.

The primary plan pays your claims minus deductible, copay and coinsurance. Your secondary plan may pay some of the unpaid balance after you've met its deductible.

There may be no real benefit to having two plans if you have to pay premiums for both, Coleman says.

10. Should I consider a catastrophic plan?

This type of plan protects you from worst-case scenarios such as a costly accident or serious illness. It kicks in only after you have paid for a lot of care on your own. Catastrophic plans still cover preventative screenings and shots. You may be eligible for this type of plan if you're under 30.

However, if you buy a catastrophic plan in the Marketplace, you won't be eligible for premium tax credits. You will pay the standard price for this type of plan. Catastrophic plans may not be much less expensive than entry-level plans in the Marketplace, Coleman says.
Read more: 5 ways to build credit and save money in your 20s

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10 things millennials should know about health insurance

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Even if you've done it many times, buying health insurance can be confusing. Now imagine you're a millennial signing up for health insurance for the first time in your life. Researchers at the University of Pennsylvania found that even college-educated, technically savvy adults in their 20s and 30s have a tough time navigating Healthcare.gov, the official site of the Affordable Care Act (ACA).

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Square One Insurance

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Home Insurance Reviews and Testimonials | Square One

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Check out some of the great things that customers have had to say about Square One. Read reviews customers have left for us about our home insurance options, customer service and more. And, watch firsthand video testimonials featuring real customers talking about their claims experience with Square One.

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Manulife Insurance

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Help protect your family with a CoverMe® plan

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Life is full of surprises - and some unexpected events can have big financial consequences. Help shelter your family's lifestyle with an umbrella of straightforward, affordable CoverMe ® insurance solutions.

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Green Insurance Financial

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See how SureHealth's private health plans can provide coverage for services not included in Canada's health care system.

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Sun Life Financial Insurance

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Purchase health insurance with a Sun Life Financial advisor.

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(Video summary): HDHP insurance plan, preventative services are provided at little or no cost to you/members. Each time you pay full cost to physicians/services. All applied to annual deductible, the you only pay half/co-pay. Co-insurance continues on until you reach full payments. Family deductibles also become more common when covering more then one person. You could save a lot of money mostly if you do not visit the doctor on a regular basis. Ensure you review all documentation before choosing any insurance network/year.

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How does a High-deductible Health Plan (HDHP) work?- Kaiser Permanente

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(Video Summary): This video explains what Health insurance is; when you are new to insurance, or have had it for a long time, this helps explains the basics of Health Insurance. Starting with monthly payment information, and the negatives that may happen if not paid in time (they also put the information into basic words, instead of complicated terms, which I found useful). Premium information is provided, which includes what a "premium" is. Depending on location or income, some are eligible for plans when the government covers half of claims automatically. Keep insurance card in wallet, and take advantage of free health care services provided. Having insurance is helpful but does not cover all health care requirements. what "copay" or co-insurance, and what a deductible is. This video also recommends you to carefully read insurance papers. The term Formulary (brand name drug vs, prescribed medications) is discussed within this short video.
out of network, and out of pocket limitations on insurance plans may cost more then expected. There is a lot to think about when picking insurance plans, remember to educate yourself on the best route to take.

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Health Insurance Explained – The YouToons Have It Covered

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(Video summary): POS insurance plan is when the insurance network picks primary caregiver physician, and the member is required a referral also. Unless you have the referral, the insurance company will not cover the services. Ensure you check benefits before signing with an insurance company.

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(Video summary): PPO insurance, is a network that allows members to choose medical physician, financial discounts will be larger when remaining "In-network". Benefits of this plan is that members are not required to get referrals from medical physicians. Recommended to visit contracted physician's. Co-payments are available before paying deductible. After being met, members are responsible for paying a percentage of insurance, known as co-insurance until met. Once maximum is satisfied, insurance will cover 100% until the end of the calendar year. Always refer to plan benefits before signing.

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(Video Summary): HMO insurance is a type of medical service that allows members to only visit doctors etc., within the in-network plan, & there is zero out of network coverage. Primary physician, that manages all health needs. Limited to restricted members within the "in-network". Out of pocket balance will be covered up to 100% depending on scenarios. Read plan benefits when looking into insurance plans, before signing.

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If you decide to partake in "HDHP" insurance, it is a example of somewhat putting all your cards into the “I’m not going to get sick” boat.
"HDHP" is known as “catastrophic” coverage since the deductible is extremely high. Any plan with a deductible that’s greater than $1300 per person gets categorized as an "HDHP". The deductible can rise up to $6,000 per person.  That makes it basically impractical if you or your employees get sick & need to see a doctor on a regular basis.
If you and/or employees choose the "HDHP" plan you need to know:

1. you can most likely see your current family Doctor, or a doctor located close to you. This is because "HDHP" plans are usually "PPO" or "POS" insurance plans.

2. You are going to pay out of pocket for all medical expenses, ranging to the deductible amount. When preparing expect the worst case scenario.

3. look at what you have spent on doctor’s visits over the past five years. If you have visited Doctor's more than 3 times in a year, you should consider looking at lower deductible  insurance plans such as; PPO's, POS's.

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A "POS" is the hybrid of an "HMO" & "PPO" insurance Plans.
If you choose to have a POS plan, you need to know:

1. You’ll need an in-network "PCP" (Primary Care Physician).

2. Network’s size/number of doctors included, this is dependent on your individual location.

3. Also check your out-of-network’s ease of use; you may be able to keep a doctor that you prefer, if they are "out-of-network", but you’ll ensure to check on practical costs.

4. If you can stay in-network on your insurance’s "POS" plan, you’ll pay very little in medical expenses.

If you/employees have a "POS" insurance, such as HMO insurance, there is no deductible & usually only a minimal co-payment (or nothing). Mostly when you use a healthcare provider within your network.
However, "POS" insurance members require a primary care physician (PCP) that is in-network. As well, like an "HMO" insurance the network of doctors in a POS is smaller than a "PPO" insurance

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2. Preferred Provider Organization (PPO):

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2. Preferred Provider Organization (PPO):

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A "PPO" is what most people think of when they think of health insurance.
If you choose a "PPO" plan, you and/or employees need to know:

1. The insured person can see their current doctor or a doctor close by, and You don’t need a referral to see a specialist.

2.  Double check the insurance’s network coverage because it varies by state and cities.

3. Check costs – employers, what kind of premium can you afford/ how much are you willing to help your employees.

If you need to go to a doctor, then you just go to the doctor you need (ex: nurse practitioner, orthopedics or specialist). Usually matters are dealt with in a week.
Finally, another difference between "HMO" & "PPO" is that you don’t need an Primary Care Physician (PCP) as your link to treatment when you have "PPO" insurance.

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Health insurance is insurance that specifically covers the whole or part of the risk of a person. This includes: incurring medical expenses, spreading the risk over a large number of persons. Insurance companies estimate the overall risk of health care and health system expenses over a "risk pool". An insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement, things ranges from medial expenses, eye and dental care. The "benefit" is administered by a central organization such as a government agency.

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Created by: Amber Leroux
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1. Health Maintenance Organization (HMO):

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1. Health Maintenance Organization (HMO):

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What you need to know if you have an "HMO" plan:

1. You will need an in-network "PCP"(Primary Care Physician) & referrals for specialist appointments.

2. Your network’s size, or the number of doctors in-network, is dependent on your location.

3.  If you can stay in-network on your insurance’s HMO plan, you’ll pay very minimal in medical expenses.

Furthermore,  "HMO" insurance contains cost by only using in-network doctors, that bill at a reduced cost directly to the insurance company as part of their in-network agreement.
This results in premiums & out of pocket cost are much lower if you get treatment within the in- network clinicians.

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Hello everyone!
Throughout  this wall you will learn about health insurance in Canada. A couple things you can look forward to learning about is: - What health insurance is, different types of health insurance.
- Top health insurance agencies.
- Things to look for when picking your health insurance provider.
- Pricing for health insurance

I hope you enjoy learning with me!